When the fuel code is generated, Mudflap puts an authorization hold on your card. The authorization amount can change based on different factors, such as your purchase history and the fuel cost. The authorized amount will cover the transaction total, and Mudflap will release the remainder immediately. However, the actual time to release the credit hold on the card varies by the issuing bank, which typically falls between 1 - 3 business days.
If the total for fuel exceeds the card-authorized amount, we will process a second charge to cover the remaining balance. Therefore, the Mudflap receipt will reflect the two charges for the single transaction.
As an extra protection for your account, Mudflap works with the card-issuing bank to prevent unauthorized charges. Depending on various risk factors determined by the bank, the bank may require a one-time use code to be entered before approving a transaction. This is known as 3D-Secure and is fully controlled by the card-issuing bank.